📊 AIZN Key Takeaways
Is Assurant, Inc.. (AIZN) a Good Investment?
Assurant demonstrates solid operational performance with 7.9% revenue growth and improving earnings per share (+17.1% YoY), indicating successful capital management and operational leverage. Strong free cash flow generation of $1.6B (12.5% FCF margin) combined with a healthy debt/equity ratio of 0.38x and solid interest coverage of 9.9x provide financial stability. The 14.9% ROE reflects efficient use of shareholder capital, though modest net margin of 6.8% and low ROA of 2.4% warrant monitoring for improvement opportunities.
ASSURANT, INC. shows solid fundamental quality with steady revenue growth, strong free cash flow generation, and healthy profitability for an insurance business. Financial health appears sound given modest leverage, strong interest coverage, and a reasonable ROE, although the gap between revenue growth and nearly flat net income suggests some margin or claims pressure that should be monitored.
Why Buy Assurant, Inc.. Stock? AIZN Key Strengths
- Revenue growth of 7.9% YoY with net income growth of 0.9% shows improving operational efficiency and earnings leverage
- Strong free cash flow generation of $1.6B with 12.5% FCF margin demonstrates the business model's cash conversion capability
- Conservative capital structure with debt/equity of 0.38x and strong interest coverage of 9.9x provides financial flexibility and low default risk
- Solid ROE of 14.9% indicates effective capital deployment and shareholder value creation
- Operating cash flow of $1.8B exceeds net income, suggesting quality earnings and minimal working capital pressures
- Revenue grew 7.9% year over year while operating income remained solid at $1.09B, supporting stable core profitability
- Free cash flow of $1.60B and a 12.5% FCF margin indicate strong cash conversion and balance sheet flexibility
- Leverage is manageable with debt-to-equity of 0.38x and interest coverage of 9.9x, reducing financial stress risk
AIZN Stock Risks: Assurant, Inc.. Investment Risks
- Net margin of 6.8% is modest for an insurance carrier, indicating competitive pressure or operational challenges in the underwriting business
- ROA of only 2.4% despite $36.3B in assets suggests low asset productivity or significant intangible asset depreciation risk
- EPS growth of 17.1% significantly outpaces net income growth of 0.9%, raising questions about share buyback sustainability and capital allocation strategy
- Elevated insider trading activity (10 Form 4 filings in 90 days) warrants monitoring for potential signaling of management confidence or concerns
- Net income grew only 0.9% despite stronger revenue growth, which may indicate underwriting, expense, or claims pressure
- Insurance earnings can be vulnerable to reserve development, catastrophe losses, and regulatory changes
- ROA of 2.4% is modest, so profitability depends on maintaining disciplined underwriting and capital efficiency
Key Metrics to Watch
- Net margin expansion as percentage of growing revenue base
- Return on assets improvement and asset quality metrics
- Free cash flow sustainability and capital allocation decisions
- Combined ratio trends in insurance operations
- Debt/equity ratio maintenance and refinancing terms
- Net margin and operating margin trend versus revenue growth
- Operating cash flow and loss/claims ratio development
Assurant, Inc.. (AIZN) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
AIZN Profit Margin, ROE & Profitability Analysis
AIZN vs Finance Sector: How Assurant, Inc.. Compares
How Assurant, Inc.. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Assurant, Inc.. Stock Overvalued? AIZN Valuation Analysis 2026
Based on fundamental analysis, Assurant, Inc.. has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Assurant, Inc.. Balance Sheet: AIZN Debt, Cash & Liquidity
AIZN Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Assurant, Inc..'s revenue has grown significantly by 26% over the 5-year period, indicating strong business expansion. The most recent EPS of $11.95 reflects profitable operations.
AIZN Revenue Growth, EPS Growth & YoY Performance
AIZN Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q3 2025 | $3.0B | $133.8M | $2.55 |
| Q2 2025 | $2.9B | $188.7M | $3.58 |
| Q1 2025 | $2.9B | $146.6M | $2.83 |
| Q3 2024 | $2.8B | $133.8M | $2.55 |
| Q2 2024 | $2.7B | $156.3M | $2.90 |
| Q1 2024 | $2.6B | $113.6M | $2.12 |
| Q3 2023 | $2.5B | $7.3M | $0.14 |
| Q2 2023 | $2.5B | $52.2M | $0.95 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
Assurant, Inc.. Dividends, Buybacks & Capital Allocation
AIZN SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Assurant, Inc.. (CIK: 0001267238)
📋 Recent SEC Filings
❓ Frequently Asked Questions about AIZN
What is the AI rating for AIZN?
Assurant, Inc.. (AIZN) has a Combined AI Rating of BUY from Claude (BUY) and ChatGPT (BUY) with 78% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are AIZN's key strengths?
Claude: Revenue growth of 7.9% YoY with net income growth of 0.9% shows improving operational efficiency and earnings leverage. Strong free cash flow generation of $1.6B with 12.5% FCF margin demonstrates the business model's cash conversion capability. ChatGPT: Revenue grew 7.9% year over year while operating income remained solid at $1.09B, supporting stable core profitability. Free cash flow of $1.60B and a 12.5% FCF margin indicate strong cash conversion and balance sheet flexibility.
What are the risks of investing in AIZN?
Claude: Net margin of 6.8% is modest for an insurance carrier, indicating competitive pressure or operational challenges in the underwriting business. ROA of only 2.4% despite $36.3B in assets suggests low asset productivity or significant intangible asset depreciation risk. ChatGPT: Net income grew only 0.9% despite stronger revenue growth, which may indicate underwriting, expense, or claims pressure. Insurance earnings can be vulnerable to reserve development, catastrophe losses, and regulatory changes.
What is AIZN's revenue and growth?
Assurant, Inc.. reported revenue of $12.8B.
Does AIZN pay dividends?
Assurant, Inc.. pays dividends, with $168.4M distributed to shareholders in the trailing twelve months.
Where can I find AIZN SEC filings?
Official SEC filings for Assurant, Inc.. (CIK: 0001267238) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is AIZN's EPS?
Assurant, Inc.. has a diluted EPS of $16.93.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is AIZN a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, Assurant, Inc.. has a BUY rating with 78% confidence. The AI analysis suggests favorable fundamentals based on SEC filings. This is not investment advice.
Is AIZN stock overvalued or undervalued?
Valuation metrics for AIZN: ROE of 14.9% (sector avg: 12%), net margin of 6.8% (sector avg: 25%). Higher ROE suggests strong returns relative to peers.
Should I buy AIZN stock in 2026?
Our dual AI analysis gives Assurant, Inc.. a combined BUY rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is AIZN's free cash flow?
Assurant, Inc..'s operating cash flow is $1.8B, with capital expenditures of $235.5M. FCF margin is 12.5%.
How does AIZN compare to other Finance stocks?
Vs Finance sector averages: Net margin 6.8% (avg: 25%), ROE 14.9% (avg: 12%), current ratio N/A (avg: 1.2).